At what point does optimization become fragility ?

In accumulation, optimization feels rational.

Tax efficiency. Factor tilts.
International weighting.
Mortgage arbitrage. Sequence simulations.

All of it makes sense on paper.

But I sometimes wonder if there’s a point where optimizing every variable actually increases psychological fragility.

The more moving parts a plan has, the more things can feel “off” during volatility.

A simple portfolio may not be mathematically optimal
but it might be behaviorally durable.

Is there a point where adding complexity reduces confidence rather than improving expected outcomes?

For those further along the FI path:

Did you simplify as you approached your number?

Or did you increase sophistication?

Where’s the line between intelligent optimization and unnecessary fragility ?